Company profile

Norman L. Lowery
Incorporated in
Fiscal year end
Industry (SEC)
IRS number

THFF stock data


Investment data

Data from SEC filings
Top 50 of 340 holdings by value
End of quarter 31 Dec 19
Shares Held
or Principal Amt 
Prev Q
%, QoQ
$30.89M 675.54K 629.44K +7.3
$25.36M 191.32K 196.54K -2.7
$11.54M 47.19K 41.69K +13.2
$3.41M 21.63K 21.96K -1.5
$3.29M 11.22K 11.49K -2.3
$2.47M 20.6K 18.58K +10.9
$1.79M 14.33K 14.46K -0.9
$1.76M 20.29K 20.43K -0.7
$1.65M 23.65K 30.79K -23.2
$1.58M 11.3K 11.75K -3.9
$1.54M 40.68K 40.68K 0
$1.3M 12.79K 13.23K -3.3
$1.26M 9.62K 9.54K +0.8
$1.13M 25.15K 24.68K +1.9
$1.04M 17.44K 17.47K -0.1
$1.03M 18.64K 18.8K -0.9
$1.01M 18.99K 19.3K -1.6
$956K 5.43K 5.47K -0.8
$945K 10.38K 10.53K -1.4
$934K 23.83K 24.55K -2.9
$932K 3.96K 4.11K -3.7
$910K 23.29K 26.78K -13.0
$897K 10.13K 10.13K 0
$885K 18.61K 19.77K -5.9
$885K 9.75K 9.75K 0
$868K 26.49K 27.29K -3.0
$787K 8.95K 9.27K -3.4
$785K 4.11K 4.34K -5.2
$784K 12.77K 11.98K +6.6
$774K 3.91K 3.83K +2.3
Invesco QQQ Trust Series 1 (ETF EQUITY)
$765K 3.6K 1.31K +175.8
$742K 6.34K 6.46K -1.8
$739K 400 425 -5.9
$735K 11.45K 11.73K -2.4
$735K 4.91K 4.91K -0.1
$730K 8.01K 8K +0.1
$711K 2.94K 2.94K 0
$707K 3.06K 2.95K +3.6
$705K 6.52K 6.26K +4.1
SPDR Dow Jones Industrial Avg Etf Trust (ETF EQUITY)
$612K 2.15K 497 +332.0
$582K 434 434 0
$576K 4.21K 3.85K +9.5
$553K 3.79K 4.37K -13.3
$552K 2.4K 2.42K -0.9
$513K 1.75K 1.65K +5.6
$475K 2.92K 2.94K -1.0
$459K 1.42K 1.43K -0.9
$439K 9.15K 9.15K 0
$430K 7.77K 7.77K 0
$423K 3.56K 3.66K -2.7
Holdings list only includes long positions. Only includes long positions.


7 Nov 19
25 Jan 20
31 Dec 20


Company financial data Financial data

Quarter (USD) Sep 19 Jun 19 Mar 19 Dec 18
Net income 12.26M 12.57M 9.68M 11.06M
Diluted EPS 0.93 1.02 0.79 0.9
Net change in cash 19.31M 6.26M -19.76M 24.37M
Cash on hand 80.19M 60.88M 54.63M 74.39M
Annual (USD) Dec 18 Dec 17 Dec 16 Dec 15
Net income 46.58M 29.13M 38.41M 30.2M
Diluted EPS 3.8 2.38 3.12 2.35
Net change in cash 281K -905K -13.68M 10.59M
Cash on hand 74.39M 74.11M 75.01M 88.7M

Financial data from company earnings reports

13F holders
Current Prev Q Change
Total holders 122 118 +3.4%
Opened positions 14 7 +100.0%
Closed positions 10 8 +25.0%
Increased positions 51 43 +18.6%
Reduced positions 35 40 -12.5%
13F shares
Current Prev Q Change
Total value 627.37M 367.45M +70.7%
Total shares 7.56M 7.06M +7.2%
Total puts 0 0 NaN%
Total calls 0 0 NaN%
Total put/call ratio NaN NaN NaN%
Largest owners
Shares Value Change
BLK BlackRock 1.16M $50.45M +4.5%
THFF First Financial 629.44K $27.36M -2.9%
Dimensional Fund Advisors 622.73K $27.07M +6.8%
Vanguard 595.93K $25.91M +7.2%
NTRS Northern Trust 427.11K $18.57M +5.3%
STT State Street 317.44K $13.8M +8.7%
AMP Ameriprise Financial 244.07K $10.61M +18.2%
Renaissance Technologies 180.26K $7.84M -0.8%
Walthausen & Co. 176.87K $7.69M 0.0%
Geode Capital Management 173.04K $7.52M +10.4%
Largest transactions
Shares Bought/sold Change
Context BH Capital Management 93.08K +93.08K NEW
Millennium Management 0 -59.17K EXIT
BAC Bank of America 159.03K +58.6K +58.3%
BLK BlackRock 1.16M +49.9K +4.5%
FJ Capital Management 44K +44K NEW
Vanguard 595.93K +39.97K +7.2%
Dimensional Fund Advisors 622.73K +39.74K +6.8%
AMP Ameriprise Financial 244.07K +37.59K +18.2%
WINTON 34.57K +34.57K NEW
QS Investors 35.47K +32.8K +1228.9%

Financial report summary

  • Geographic concentration of the Corporation’s markets makes our business highly susceptible to local economic conditions and a downturn in local economic conditions may adversely affect our business.
  • The Corporation operates in a highly competitive industry and market, and our business will suffer if we are unable to compete effectively.
  • Changes in consumer use of banks and changes in consumer spending and savings habits could adversely affect the Corporation’s financial results.
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business.
  • The Corporation is dependent on certain key management and staff
  • Our operational systems and networks are subject to an increasing risk of continually evolving cybersecurity or other technological risks, which could result in a loss of customer business, financial liability, regulatory penalties, damage to our reputation, or the disclosure of confidential information.
  • Changes in interest rates could adversely affect the Corporation’s results of operations and financial condition.
  • If the Corporation’s actual loan losses exceed our allowance for loan losses, our net income will decrease.
  • A lack of liquidity could affect our operations and jeopardize our financial condition.
  • We operate in a highly regulated environment and the regulatory framework to which we are subject may adversely affect our results of operations.
  • Legislative and regulatory actions taken now or in the future may increase our costs and impact our business, regulatory structure, financial condition, and/or results of operations.
  • The Basel III capital rules may require us to retain higher capital levels, impacting our ability to pay dividends, repurchase our stock, or pay discretionary bonuses.
  • The Corporation’s accounting estimates and risk management processes rely on analytical and forecasting models, which, if inadequate, may result in a material adverse effect on our business, financial condition, or results of operation.
  • The Corporation’s controls and procedures may fail or be circumvented, and the Corporation’s methods of reducing risk exposure may not be effective.
  • We rely on external vendors, which could expose the Corporation to additional operational risks.
  • The Corporation may foreclose on collateral property and would be subject to the increased costs associated with ownership of real property, resulting in reduced revenues and earnings
  • The Corporation’s earnings may be adversely impacted due to environmental liabilities associated with lending activities.
  • Uncertainty about the future of the London Inter-Bank Offered Rate (“LIBOR”), and its accepted alternatives, may adversely affect our business.
  • Higher FDIC deposit insurance premiums and assessments could adversely affect our financial condition.
  • Potential acquisitions may disrupt the Corporation’s business and dilute shareholder value.
  • If the Bank is unable to integrate Heritage Bank USA, Inc. (“Heritage”) successfully, our business and earnings may be negatively affected.
  • New lines of business or new products and services may subject the Corporation to additional risks.
  • Future growth or operating results may require the Corporation to raise additional capital, but that capital may not be available or it may be dilutive.
  • The Corporation may become subject to claims and litigation pertaining to intellectual property.
  • The value of the Corporation’s goodwill and other intangible assets may decline in the future.
  • The Corporation may be adversely affected by the soundness of other financial institutions.
  • The Corporation relies on dividends from its subsidiaries for most of its revenue
  • The Corporation may not be able to pay dividends in the future in accordance with past practice
  • The price of the Corporation’s common stock may be volatile, which may result in losses for investors
  • Future capital needs could result in dilution of shareholder investment.
  • Anti-takeover laws and certain agreements and charter provisions may adversely affect the value of our common stock.
  • An investment in the Corporation’s common stock is not an insured deposit
Content analysis ?
8th grade Bad
New words: deductible, forma, fourth, fractional, Hopkinsville, Kentucky, lieu, loaded, par, pro, run, stockholder, unaffected
Removed: consistently, falling, family, Moody, utilized, variety, wide